COMMERCIAL INTERNATIONAL BANK ( CIB ) REPORTS RECORD FULL-YEAR 2014 CONSOLIDATED REVENUE OF EGP 8.00 BILLION AND RECORD NET INCOME OF EGP 3

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1 Commercial International Bank (Egypt) SAE Nile Tower, 21/23 Charles de Gaulle Street, Giza 11511, Egypt EGX Symbol: COMI News Release 10 February 2015 COMMERCIAL INTERNATIONAL BANK ( CIB ) REPORTS RECORD FULL-YEAR 2014 CONSOLIDATED REVENUE OF EGP 8.00 BILLION AND RECORD NET INCOME OF EGP 3.74 BILLION, OR EGP 3.55 PER SHARE, UP 24% FROM 2013 RECORD FOURTH-QUARTER 2014 CONSOLIDATED REVENUE OF EGP 2.17 BILLION AND RECORD NET INCOME OF EGP 1.03 BILLION, OR EGP 1.14 PER SHARE, UP 36% YEAR-ON-YEAR Record Full Year 2014 Consolidated Financial Results: o Record net income of EGP 3.74 billion, or EGP 3.55 per share, up 24% YoY o Record revenues of EGP 8.00 billion, up 19% YoY o Consolidated return on average equity of 31.3% 1 versus 29.5% in the year-ago period o Consolidated return on average assets of 2.94% versus 2.93% in the year-ago period o Efficiency ratio improved to 22.7% from 23.5% in the year-ago period o Standalone net interest margin of 5.41% 2, up 5bp YoY Record Fourth-Quarter 2014 Consolidated Financial Results: o Record net income of EGP 1.03 billion 3, up 36% year-on-year (YoY) o Record revenues of EGP 2.17 billion, up 25% YoY Robust Balance Sheet: o Total tier capital of EGP 14.0 billion 1, or 16.8% of risk-weighted assets, of which 94% is high quality Tier I capital o Central bank EGP liquidity ratio of 72.0%, foreign currency at 42.4% (comfortably above the required 20% and 25% respectively) o High quality of funding, with customer deposits comprising 95% of total liabilities o Standalone non-performing loans coverage ratio of 138% Supporting our Economy o Funding to businesses and individuals increased 18% in 2014 to EGP 53.7 billion, with loans market share of 8.52% in October 2014, up from 8.28% in December 2013 o Deposits increased 26% in 2014 to EGP 122 billion, with deposit market share of 7.85% in October 2014, up from 7.37% in December 2013 o In 2014, CIB s operations generated EGP 2.2 billion in corporate, payroll and other taxes 1 After 2014 profit appropriation 2 Based on managerial accounts 3 After minority interest Investor & Media Contact: Sherif Khalil +20 (2)

2 Committed to our Community o The CIB Foundation donated EGP 5 million to the CIB Foundation Fellowship for Science and Technology to sponsor the studies of 50 advanced science students at Zewail University of Science and Technology. o The Foundation donated EGP 3 million to the Association of Friends of the National Cancer Institute to sponsor their Paediatric Outpatient Clinics, alongside EGP 1 million to supply 50,000 children with winter pullovers as part of the Warm Egypt campaign. o The Foundation continued to support Friends of Abou El Reesh Children's Hospitals and Yahiya Arafa Children's Charity Foundation with donations of EGP 2 million to each. o The Foundation sponsored 15 one-day eye exam caravans in several governorates to conduct eye examinations and awareness sessions for 7,500 students and supported, in collaboration with the Rotary Club of Kasr El-Nile, 97 children's eye surgeries through the Children's Right to Sight program. Awards & Rankings In 2014, CIB was acknowledged by a number of global institutions for its performance during the year, and was the only Egyptian corporate to make it onto the Forbes Global 2000 Rankings list. o Global Finance: Best Emerging Markets Bank in Africa, Best Foreign Exchange Provider- Egypt, Best Trade Finance, Best Sub-custodian Bank, Best Corporate/Institutional Internet Bank in Egypt, Best Integrated Corporate Bank Site, Best Online Cash Management o EMEA Finance: Best Local Bank in Egypt, Best Foreign Exchange Services in Africa, Pan- Africa Award for Corporate Social Responsibility, and Best CEO in Egypt and Africa region o Euromoney: Best Bank in Egypt Excellence Award (for the 2nd consecutive year) o The Banker: Bank of the Year Egypt 2014 o Global Trade Review: Best Trade Finance Bank o Extel (in partnership with the MEIR Society): Best Company for Investor Relations in Egypt o JP Morgan: Elite Quality Recognition Award for money transfer best-in-class STP rates CAIRO Hisham Ezz Al-Arab, Chairman and Managing Director of CIB, commented: CIB closed its third consecutive record year in both top and bottom lines, with consolidated revenues hitting EGP 8.0bn. Consolidated bottom line came in at EGP 3.7 billion, an increase of 24% over last year on strong performance across the board. Lending activity continued to recover in the fourth quarter. Our loan portfolio grew over EGP 8 billion, or 18%, throughout 2014, including a record EGP 2 billion in new retail loans. Trade service volumes also grew strongly - over 35% - reflecting the on-going economic recovery and CIB s ability to grab market share in a growing market while simultaneously protecting margins across our product portfolio. Our balance sheet growth was fuelled by over EGP 25 billion in new deposits, our highest growth rate in 8 years. Both retail and corporate deposits performed well during the year. Profitability and efficiency indicators improved, with consolidated return on average equity reaching 31.3%, a 4-year high. Alongside this, the Bank maintained its strong asset quality and liquidity indicators. CIB has thus continued to strengthen its financial position in 2014, and today stands ready to capture the growth opportunities that should be forthcoming in

3 FOURTH-QUARTER AND FULL-YEAR 2014 FINANCIAL HIGHLIGHTS REVENUES Fourth quarter consolidated revenues were EGP 2.17 billion, up 25% from EGP 1.74 billion achieved in fourth-quarter Growth was driven by a strong increase in net interest income (39% YoY) on improved lending and higher corridor rates (CBE increased corridor rates in July by 100bp), positively impacting spreads. Fourth-quarter standalone revenues were EGP 2.10 billion, up 23% from EGP 1.71 billion achieved in fourth-quarter Full year consolidated revenues were EGP 8.00 billion, up 19% from EGP 6.7 billion achieved in On a standalone basis, the Bank achieved EGP 7.72 billion in revenues, 24% over Net Interest Income Full-year standalone net interest margin (NIM) was 5.41% 4, higher 5bp YoY. Stand-alone net interest income came in at EGP 6.28 billion, 24% higher than the year-ago period. Non-Interest Income Consolidated non-interest income for the year was EGP 1.75 billion (22% of revenues), 6% over last year on a 31% increase in fees and commissions revenue. Trade service fees 4 in the fourth quarter were EGP 184 million, 34% above the year-ago figure. Full year trade service fees recorded EGP 653 million, 30% over 2013, driven by 35% growth in trade service volumes. Trade service outstanding balances 5 stood at EGP 25.3 billion, up from EGP 16.2 billion in the year ago period. Profits from the foreign currency desk for the fourth quarter were EGP 40.7 million and EGP 217 million for the year. OPERATING EXPENSE Full year consolidated operating expense recorded EGP 1.88 billion, up 17% YoY. Consolidated efficiency ratio improved to 22.7% versus 23.5% in Standalone operating expense stood at EGP 1.71 billion, higher 18% YoY. TAX CIB s effective tax rate in 2014 was 32.8% compared to 31.9% in 2013, as the corporate tax rate increased to 30% from 25% in The effective tax rate was higher than the nominal rate mainly due to provision expenses not being fully tax deductible. In 2014, CIB obtained clearance from the Egyptian tax authorities regarding income and payroll tax claims prior to This gives CIB shareholders unique transparency and certainty regarding the two largest tax liabilities Egyptian companies face. 4 Based on managerial accounts 5 On net basis 3

4 LOANS CIB s total standalone gross loan portfolio was EGP 53.7 billion at the end of fourth-quarter 2014, adding EGP 8.2 billion, or 18% over year-end 2013, and EGP 2.9 billion, or 6%, on a quarterly basis. CIB maintained the highest loan market share of all private-sector banks, at 8.52% as of October 2014 (latest public figures). DEPOSITS Customer deposits were EGP 122 billion, adding EGP 25 billion or 26% over year-end QoQ deposits grew 5%, adding EGP 6.3 billion over third-quarter Deposit market share was 7.85% as of October , maintaining CIB s leading position amongst all private-sector banks. The consolidated gross loan-to-deposit ratio was 43.6% by end of year 2014, versus 46.9% for the comparable year-ago period. ASSET QUALITY CIB maintained its resilient asset quality. After write-offs and recoveries, cumulative non-performing loans represent 4.66% of gross loans, down 19bp from third-quarter Non-performing loans are covered 138% by the Bank s loan loss provision balance. CAPITAL AND LIQUIDITY Total tier capital (after 2014 profit appropriation) was EGP 14.0 billion in December 2014, or 16.8% of risk-weighted assets (EGP 83.7 billion). Tier I capital was EGP 13.1 billion, or 15.7% of risk-weighted assets and 94% of total tier capital. CIB maintained its conservative liquidity position in both local and foreign currencies, remaining comfortably above CBE requirements and Basel III guidelines (the latter on a pro forma basis). KEY METRICS AND BUSINESS UPDATES 7 INSTITUTIONAL BANKING #1 private-sector bank in Egypt in terms of revenues, net income, deposits, loans, total assets, book value and market capitalization. End-of-period gross loans were EGP 44.2 billion, 15% above year-end End-of-period deposits were EGP 34.5 billion, 32% above year-end Gross outstanding contingent business reached EGP 26.6 billion 8, 47% over year-end Latest published data from the CBE 7 Loans and deposits balances based on managerial accounts 8 On gross basis; based on managerial accounts 4

5 BUSINESS BANKING End-of-period gross loans were EGP 1.26 billion, up 37% over year-end End-of-period deposits were EGP 28.7 billion, an increase of EGP 5.9 billion, or 26%, over yearend Gross outstanding contingent business reached EGP 1.2 billion 8, 13% over year-end RETAIL INDIVIDUALS BANKING End-of-period gross loans were EGP 8.2 billion, up 32% over year-end End-of-period deposits were EGP 59.0 billion, an increase of EGP 11.2 billion, or 23%, over yearend CIB continued to expand its network throughout 2014, to reach a total of 135 branches and 26 units throughout Egypt, supported by a network of 588 ATMs and 9,529 points of sale. SECURITIES BROKERAGE, ASSET MANAGEMENT & INVESTMENT BANKING CI Capital recorded revenues of EGP 310 for year ended 2014, 2x the year-ago period, and net income of EGP 72 million. Brokerage maintained its leading position among brokerage companies with a market share of 10.6%, 140bp above third-quarter 2014, with full year revenues 2.6x higher YoY. Asset Management grew revenue by 25% over the year-ago period, with assets under management 9 up 9% over year-end 2013 (EGP 8.7 billion). EIMA ranked CIAM s BLOM Bank money market fund and Thabat fixed income fund 1 st in 2014 by return, while Istethmar equity fund was ranked 3 rd with 32.2% return. Investment banking sealed the year with 4 successful transactions, growing revenues by 78% YoY, while continuing to build a strong pipeline of transactions for Fee-earning Assets under Management 5

6 CONSOLIDATED FINANCIAL HIGHLIGHTS INCOME STATEMENT EGP million EGP million (4Q14 vs. 3Q14) EGP million (4Q14 vs. 4Q13) EGP million EGP million (2014 vs. 2013) Net Interest Income 1,892 1, % 1,363 39% 6,255 5,054 24% Non-Interest Income % % 1,746 1,646 6% Net Operating Income 2,173 2, % 1,740 25% 8,001 6,700 19% Non-Interest Expense (573) (469) 22.2% (475) 21% (1,876) (1,608) 17% Provisions (122) (107) 13.9% (350) -65% (589) (916) -36% Net Profit before Tax 1,477 1, % % 5,536 4,176 33% Income Tax (482) (499) -3.4% (157) 207% (1,831) (1,182) 55% Deferred Tax % (1) NM % Net Profit 1, % % 3,743 3,006 25% Minority Interest % (0) NM 2 (0) NM Net Profit After Minority 1, % % 3,741 3,006 24% KEY FINANCIAL INDICATORS Profitability (4Q14 vs. 3Q14) (4Q14 vs. 4Q13) (2014 vs. 2013) ROAE % 29.1% 5.4% 27.4% 12% 31.3% 29.5% 6% ROAA 2.97% 2.94% 0.9% 2.73% 9% 2.94% 2.93% 0% Efficiency Cost-to-Income 24.5% 22.9% 7.4% 26.2% -6% 22.7% 23.5% -4% Liquidity Gross Loans-to-Deposits 43.6% 43.5% 0.0% 46.9% -7% 43.6% 46.9% -7% Asset Quality NPLs-to-Gross Loans 4.71% 4.88% -3.6% 3.97% 19% 4.71% 3.97% 19% Capital Adequacy Ratio 16.77% 15.49% 8.3% 16.32% 3% 16.77% 16.32% 3% STANDALONE FINANCIAL HIGHLIGHTS INCOME STATEMENT EGP million EGP million (4Q14 vs. 3Q14) EGP million (4Q14 vs. 4Q13) EGP million EGP million (2014 vs. 2013) Net Interest Income 1,903 1, % 1,365 39% 6,276 5,050 24% Non-Interest Income % % 1,441 1,156 25% Net Operating Income 2,100 1, % 1,714 23% 7,717 6,206 24% Non-Interest Expense (510) (436) 17.0% (445) 15% (1,705) (1,450) 18% Provisions (122) (107) 13.9% (350) -65% (589) (916) -36% Net Profit before Tax 1,468 1, % % 5,424 3,840 41% Income Tax (477) (494) -3.4% (159) 200% (1,815) (1,180) 54% Deferred Tax % (1) NM 38 (45) -185% Net Profit 1, % % 3,648 2,615 39% KEY FINANCIAL INDICATORS Profitability (4Q14 vs. 3Q14) (4Q14 vs. 4Q13) (2014 vs. 2013) ROAE % 28.5% 6.8% 27.1% 12% 30.3% 24.8% 22% ROAA 2.96% 2.90% 2.2% 2.74% 8% 2.87% 2.54% 13% NIM 5.51% 5.26% 4.7% 5.46% 1% 5.41% 5.36% 1% Efficiency Cost-to-Income 22.5% 21.8% 3.3% 24.8% -9% 21.3% 22.9% -7% Liquidity Gross Loans-to-Deposits 43.9% 43.8% 0.3% 48.2% -9% 43.9% 48.2% -9% Asset Quality NPLs-to-Gross Loans 4.66% 4.85% -4.0% 3.96% 18% 4.66% 3.96% 18% Direct Coverage Ratio 138% 136% 1.3% 143% -3% 138% 143% -3% 10 After 2014 profit appropriation 6

7 BALANCE SHEET Consolidated Standalone Dec-14 Dec-13 YtD Change Dec-14 Dec-13 YtD Change EGP million EGP million (Dec-14 Vs. Dec-13) EGP million EGP million (2014 vs. 2013) Cash & Due from Central Bank 7,502 4,796 56% 7,502 4,796 56% Due from Banks 9,522 9,004 6% 9,280 8,894 4% Treasury Bills & Governmental Notes 30,549 23,665 29% 30,539 23,655 29% Trading Financial Assets 3,763 2,295 64% 3,728 2,246 66% Available-for-Sale Investments 27,702 23,378 18% 27,688 23,364 19% Net Loans & Overdrafts 48,804 41,866 17% 49,398 41,970 18% Financial Derivatives % % Held-to-Maturity Investments 9,161 4, % 9,161 4, % Financial Investment in Subsidiaries % % Other Assets 6,577 4,254 55% 5,734 3,938 46% Total Assets 143, ,752 26% 143, ,752 26% Due to Banks 1,131 1,373-18% 1,131 1,373-18% Customer Deposits 121,975 96,846 26% 122,245 96,940 26% Other Liabilities 5,904 3,526 67% 5,455 3,324 64% Total Liabilities 129, ,745 27% 128, ,637 27% Total Shareholders Equity 11,013 8,953 23% 11,168 9,500 18% Net Profit for the Period 3,741 3,006 24% 3,648 2,615 39% Shareholders Equity & Net Profit 14,754 11,960 23% 14,816 12,115 22% Minority Interest % - - Total Liabilities & Shareholders' Equity 143, ,752 26% 143, ,752 26% 7